When you send money with National Australia Bank (NAB), the transfer speed depends on where the funds are going, the payment method, and the time of day you make the transaction. Here’s a fresh look at how quickly your money moves with NAB in 2025.
Domestic Transfers Within Australia
- Fast Payments (Osko, PayID, Pay Anyone):
Most transfers between NAB and other participating Australian banks are processed in less than 60 seconds, 24/7-even on weekends and public holidays.
Occasionally, payments may take up to 24 hours if extra checks are needed or if the recipient’s bank doesn’t support instant payments. - BPAY:
Payments made before 6:00pm (AEST/AEDT) on business days are usually processed the same day. After the cut-off, they’ll be processed the next business day. - Standard Domestic Transfers:
Transfers made before 6:30pm (AEST/AEDT) on business days are processed overnight. The following working day is used to process payments made beyond this deadline.
International Transfers
- To Overseas Accounts:
After processing, the beneficiary’s bank receives the majority of NAB’s international transfers within 24 hours.
However, depending on the destination country, currency, and recipient bank, it can take 1–3 business days for the funds to be available in the recipient’s account.
Transfers made after currency cut-off times or on weekends/public holidays will be processed on the next business day.
What Can Delay a Transfer?
- Transfers made after cut-off times
- Public holidays or weekends
- Additional security checks
- Recipient bank processing times (especially overseas)
In summary:
- Domestic NAB transfers: Usually instant (under 60 seconds), sometimes up to 24 hours.
- BPAY and standard transfers: Same day if before cut-off, next business day otherwise.
- International transfers: Typically received within 24 hours, but can take 1–3 business days depending on the country and currency.